Educational Community Credit Union Ozark MO | Affordable Auto Loans & Business Banking

Introduction

Welcome to Educational Community, your trusted financial partner located at 1550 W Diane St, Ozark, MO 65721. Established in 1938, we have proudly served our community for over 85 years, fostering a strong relationship built on trust and mutual growth. With a robust membership base of 8,889 and total assets reaching an impressive $75,937,056, we are committed to providing our members with exceptional financial services tailored to their needs. At Educational Community, we understand the importance of community involvement. Our dedicated team of 22 employees, led by our CEO Robb Herren and Board President Steve Verheyen, works diligently to ensure that every member feels valued and supported. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we have you covered. While members can visit us at our Ozark branch, official correspondence should be sent to P.O. Box 1609, Ozark, MO 65721 if needed. We take pride in maintaining a solid financial foundation with total deposits of $13,364,941 and a net worth of $6,674,623, ensuring that your money is in safe hands. Our commitment extends beyond just numbers; it's about making a positive impact in the lives of our members and the community at large. We offer a range of services including online and mobile banking for your convenience, as well as ATM access and drive-thru services to enhance your banking experience. Ready to experience personalized service from a credit union that puts you first? Don't hesitate to reach out! Call us today at 417-485-3661 or visit our website at educationalccu.org for more information on how we can help you achieve your financial goals. Your journey towards better banking starts here!

Branch History & Mission

A Legacy of Growth

From our humble beginnings, we have evolved significantly. Our total assets now stand at an impressive $75,937,056, reflecting our stability and growth over the decades. We are proud to offer a range of services that cater to both personal and business banking needs. Our journey has been marked by key milestones, including expanding our offerings to include auto loans, mortgages, and online banking services that keep us connected with our members.

Community Engagement

We understand that being a part of the Ozark community means more than just serving our members it means giving back. Through various partnerships and programs, we work tirelessly to support local schools and organizations. Whether it's hosting financial literacy workshops or sponsoring community events, we seek ways to make a positive impact on the lives of those we serve.

Join Us!

At Educational Community, every member counts. If you're looking for a credit union that prioritizes your financial well-being while making a difference in the community, look no further! Join us today and discover how we can help you achieve your financial goals. For more information or assistance, feel free to reach out at 417-485-3661 or visit our website at educationalccu.org. Together, let's build a brighter future!

Mission Statement

At Educational Community, our mission is clear: we strive to empower our members through accessible financial services while fostering community support and development. We believe in providing not just loans or accounts but also guidance and resources that help individuals make informed decisions about their finances. This commitment extends beyond banking; we actively engage in community outreach initiatives that aim to uplift those around us.

Modern Banking Experience

In addition to our traditional services, we embrace technology to enhance your banking experience. Our digital advancements allow members to manage their finances conveniently through mobile applications and online banking. With features like electronic signatures and person-to-person payments, we aim for efficiency while ensuring accessibility for everyone. Our branch is equipped with an ATM for easy cash access and offers drive-thru banking for added convenience. We are also proud to be ADA compliant so that all members can easily access our services. While you can visit us at 1550 W Diane St, official correspondence should be sent to P.O. Box 1609, Ozark, MO 65721 if needed.

Branch Location & Accessibility

Welcome to the Educational Community branch, conveniently located at 1550 W Diane St, Ozark, MO 65721. Our friendly team is ready to assist you in a welcoming environment that's designed with your needs in mind. If you need to send us official correspondence, please use our mailing address: P.O. Box 1609, Ozark, MO 65721. Nestled in the heart of Ozark, our branch is easy to find and accessible for everyone. We're near popular landmarks that make it simple for you to stop by, whether you're running errands or heading home from work. Ample parking is available right outside our doors, ensuring that your visit is hassle-free. At Educational Community, we pride ourselves on being accessible to all members of the community. Our branch features ADA-compliant facilities, including ramps and wide doorways to accommodate everyone comfortably. Plus, if you prefer convenience on the go, we offer drive-thru banking services for quick deposits and withdrawals without leaving your vehicle. Our operating hours are designed to fit your busy schedule. You can visit us Monday, Tuesday, Thursday, and Friday from 8:45 AM to 5:15 PM; on Wednesday from 10:00 AM to 5:15 PM; and on Saturday from 9:00 AM to 1:00 PM for drive-thru services. Feel free to give us a call at 417-485-3661 if you have any questions or need assistance. In addition to traditional banking services like checking and savings accounts, we provide a range of options including auto loans, mortgage loans, credit cards with rewards, and online banking solutions. For those who may be members of partner credit unions, we also offer shared branch transactions. We invite you to come see us at Educational Community! Whether you're opening a new account or simply have a question about our services, our dedicated staff is here to help you every step of the way. We look forward to welcoming you soon!

Member Eligibility

At Educational Community, we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you live, work, or go to school in our community, you're likely already eligible to join us! We're here for everyone who wants to experience the benefits of personalized banking and support. To get started, simply check out the detailed eligibility criteria on our website at https://educationalccu.org/membership/. You'll find it's easy and straightforward to see if you qualify. Once you're ready to take the next step, opening an account is just as simple. You can start your journey with us by visiting our account opening page at https://hosting.bytesoftware.com/apps/bcp_30842. If you have any questions or need assistance along the way, feel free to reach out at (417) 485-3661. We're excited to welcome you to Educational Community, located at 1550 W Diane St Ozark Mo 65721, where we prioritize your financial success and community spirit!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services offer practical tools that make everyday transactions easier. For instance, when you accept payments seamlessly through various methods, you enhance customer satisfaction and streamline operations. This means more time focusing on what really matters growing your business. Located at 1550 W Diane St Ozark Mo 65721 in Ozark, MO, our dedicated team is ready to help you navigate the world of business banking. Reach out to us at (417) 485-3661 to learn how we can support your journey toward success!

Comprehensive List Of Services

Business Banking Services

Running a business comes with its own set of challenges. That's why we offer comprehensive business banking services, including merchant services and business loans designed to support your growth. Whether you're just starting out or looking to expand, we're here to provide the financial tools you need.

Convenient Access

Accessibility is key at Educational Community. Our branch features an ATM for quick cash withdrawals and balance checks. If you prefer in-person service but are short on time, take advantage of our drive-thru banking for quick deposits or withdrawals without leaving your car. We also participate in shared branching, allowing members from partner credit unions to perform basic transactions right here at our Ozark location.

Digital Banking Features

In today's fast-paced world, convenience matters more than ever. That's why we prioritize digital banking options such as online banking and mobile payments. You can send money easily through person-to-person payment services right from your phone. Our commitment extends beyond just offering services; it's about making banking simpler and more efficient for you. If you're ready to explore how Educational Community can support your financial journey or if you have any questions about our services, please don't hesitate to reach out! Call us at 417-485-3661 or visit us today at our Ozark branch. Together, let's build a brighter financial future!

Personal Banking Solutions

We offer a variety of personal banking options that include checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds with online and mobile banking features that allow you to manage your accounts from anywhere. With our user-friendly app, you can check balances, transfer money, and even pay bills on the go. If you're in the market for a vehicle, our auto loans and vehicle financing solutions make it simple to drive away in your dream car. We also provide mortgage loans and refinancing options, helping you secure a home or lower your current mortgage payments with ease. For those times when life throws unexpected expenses your way, our personal loans and debt consolidation services can help you regain control of your finances. Plus, don't forget about our credit cards with rewards perfect for earning perks while making everyday purchases.

Digital & Online Banking

Accessibility and Security

Security is a top priority at Educational Community. We utilize advanced technology to keep your information safe while providing easy access to your accounts. Our user-friendly interface ensures that even those new to digital banking will feel comfortable navigating their options. In summary, our digital and online banking services at Educational Community are designed to give you control over your finances while ensuring convenience and security every step of the way. Join us today and experience the ease of managing your money online!

Key Features

Our digital banking solutions include electronic signature authorization, which makes signing documents quick and hassle-free. You won't have to worry about printing or mailing forms; just sign electronically and you're done! Plus, e-statements are available for those who prefer a paperless option, helping you keep track of your transactions without clutter. If you're always on the move, our mobile application is perfect for you. With mobile payments enabled, making purchases directly from your phone is easier than ever. You can also send money instantly through person-to-person transfers perfect for splitting bills with friends or sending cash to family members.

Financial Strength

Growing Membership Base

Total Share Accounts: 13,377 show a strong and growing member base that trusts us with their finances. This growth reinforces our mission to provide outstanding service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Educational Community is your trusted partner. Visit us at 1550 W Diane St Ozark Mo 65721 or call 417-485-3661 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $8,675,223 in share certificates and $3,540,999 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 19 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Improvement

With $5,474,623 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is evident with $11,749 in used auto loans and $51,680,322 in total loans and leases. This breadth of lending supports various needs within our community.

Solid Financial Health

With a net worth of $6,674,623, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 893 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Loan Options

For those looking for additional borrowing options, our total credit lines amount to $5,801,952, giving you access to funds when needed most. Whether it's for personal use or other financial needs, our credit lines can provide peace of mind. If you're considering refinancing or want to learn about eligibility options for any of these products, please visit our website at Educational Community or contact us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We are dedicated to helping you navigate your financial journey with confidence!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $27,666,421 in used vehicle loans and $9,821,852 in new vehicle loans already helping members get on the road. We make financing straightforward and accessible. Whether you're buying a brand-new vehicle or a reliable used car, we have flexible terms that can work for you.

Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. With a total of $1,218,041 in loans helping members manage their finances effectively, we offer flexible terms that allow you to handle unexpected costs without stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,659,483, make buying or refinancing simple. We provide guidance throughout the process to ensure you find the right loan for your situation.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all offers displayed are fair and transparent. By using verified data, LendMesh provides users with accurate loan comparisons that reflect current market conditions.